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About Kem App

Kem – The Future of Crypto Payments & Transfers Kem is the fastest and easiest way to send, spend, and manage your crypto powered by USDT and the world’s leading digital assets. Whether you're making everyday payments, sending money globally, or swapping between major cryptocurrencies, Kem makes crypto as seamless as cash. Here’s what Kem offers: POWERFUL TOOLS FOR CRYPTO USERS - Instantly send USDT, Bitcoin, Ethereum, and other major digital assets to anyone in your contacts. - Pay globally with real-time conversions between crypto and local currencies. - Swap between assets like USDT, BTC, ETH, Gold, and local currencies such as Kuwaiti Dinars, Saudi Riyals, and Dirhams. SPEND CRYPTO LIKE CASH - Kem Infinity Cards let you spend crypto online or in stores just like a regular debit card. - Pay with Kem QR at supported businesses for seamless in-person transactions. - Real-time conversion ensures your crypto is always spendable without extra steps. SECURE, FAST, AND FLEXIBLE - Withdraw funds to external wallets or linked bank accounts in minutes. - Advanced security features protect your crypto with state-of-the-art encryption and authentication. - Built with Tether’s trusted infrastructure for seamless USDT transactions. GLOBAL & LOCAL PAYMENTS MADE EASY - No borders, no delay send money instantly across the world. - Easily swap between digital assets and local currencies like KWD, SAR, AED, and more. - Designed for everyday transactions, from small payments to large transfers. SUPPORTED ASSETS Kem supports USDT, BTC, ETH, Gold, and major local currencies, with more assets added regularly. NEED HELP? Visit kemapp.io for more information and to contact Kem Support. PRIVACY & COMPLIANCE Transfers and withdrawals may be subject to review or network delays. Kem is a crypto financial platform, not a bank. Banking services, where available, are provided by licensed partners.

Ratings & reviews

4.2

31 ratings

5 ★ 77% 4 ★ 3% 3 ★ 0% 2 ★ 0% 1 ★ 19%

What’s new

Version 1.3.3 · Updated August 29, 2026

New - Stock pages gained market stats (market cap, previous close, volume, open, high and low), recent news, and a notice when a stock is going through a split. - Your own activity now appears on price charts. Buys, sells, sends, receives and conversions show as markers on the line — scrub to see any one of them. - A stock order you have placed now appears in your portfolio while it settles, along with the figures it will move once it fills, and it is followed to completion wherever you go in the app. - Card purchases now show the cashback they earned and why it was that rate. - Savings withdrawals tell you when the money lands. A regular withdrawal carries a live countdown on the goal, in your activity and on the receipt, and the withdrawal sheet now states the instant-versus-free trade-off with real numbers. - Two-factor setup has its own code screen, plus a button that opens your authenticator app with the account already filled in. Improvements - Stocks now read market hours straight from the market, including weekend trading on eligible stocks — those are pinned and badged when you browse, and every session says what it means for your order. - Network names now show the token standard on their own line — Tron with TRC-20 under it — everywhere you pick, deposit to or withdraw from a network, so it matches the name your exchange uses. - Splitting a transaction can now reach any Kem user through search, not only the people in your contacts. - An order held up by a busy broker now waits calmly instead of looking like a failure, and an order cancelled by a stock split now says so. - Ordering a card stays on screen until the card arrives, even if you close the app, and a declined application now names every detail that needs fixing. - Back goes back where you came from, including on receipts opened from a stock, a chat or a currency. - The savings receipt now matches the rest of the app and pulls to refresh. - Onboarding slides follow your finger, and the boosted-cashback merchant table lines up into proper columns. - If a profile photo fails to upload during signup, you can retry or continue without one — your account is already created. Bug Fixes - Fixed a crash on Android when opening some bottom sheets. - Fixed buy and sell summaries deducting the trading fee twice. - Fixed the home balance, portfolio and activity list briefly emptying into placeholders when a stock order settled or the display currency changed. - Fixed a savings goal failing to open when part of its history could not be loaded. - A signup that stopped before the profile step now takes you back to finish it instead of leaving you with an empty account. - Fixed a rare error sheet appearing for a stocks check you never started.

App privacy

The developer, KEM LLC, reported these privacy practices to Apple.

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Contact Info: Email Address, Name, Phone Number
  • Contacts: Contacts
  • Identifiers: User ID, Device ID
  • User Content: Photos or Videos

Used for: Developer’s Advertising or Marketing, Analytics, Product Personalization, App Functionality

Data Not Linked to You

The following data, which may be collected but is not linked to your identity, may be used for the following purposes:

  • Usage Data: Product Interaction
  • Diagnostics: Crash Data

Used for: Analytics

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